Dental Insurance Plans: Are the Benefits Worth the Cost?

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Although dental health plays a critical role in maintaining good general health, many who desperately need professional dental care don’t have dental insurance plans. The National Association of Dental Plans reports that just over 126 million Americans don’t have any type of dental coverage—that’s three times more than the number of people without standard health insurance. Because of steep out-of-pocket treatment costs, many Americans simply ignore dental problems instead of seeking care.

Dental Insurance Trends Over the Years

In 1995, the Behavioral Risk Factor Surveillance System survey, conducted by the Centers for Disease Control, found that 44 percent of participants reported having no dental insurance coverage. By 2012, the number of uninsured Americans only had dropped to 42 percent.

Since the late 2000s, the insurance industry has suffered due to rising healthcare costs, economic weakening, and reluctance of employers to provide dental insurance plans for employees. Under recently instituted healthcare reform laws, children and adults are not required to purchase dental insurance, but some states offer bundled or separate dental plans through the Health Insurance Marketplace. Currently, 97 percent of dental benefits are provided through separate dental coverage policies that offer comprehensive preventative care benefits, but only partially cover major treatment expenses.

Dental Care Options for the Uninsured

If you cannot obtain coverage through your employer, the private market, or subsidized plans, finding affordable dental care can be a challenge—but there are options. As the number of people who are unable to afford routine dental visits has increased, so has the number of dentists. This is good news for patients who are without dental insurance, because dentists are working harder to find ways to make their services more affordable. Most dentists today offer or accept savings plans, and many are now offering new-patient specials that include free first visits and discounted treatments. Some dentists even offer in-house or third-party financing with reasonable payment plans.

Although the cost of routine dental care can be expensive, it is essential to visit the dentist every six months. Remember, preventative care is much more affordable than putting off dental problems until they require treatment.

To get the dental care you deserve from an affordable dentist in South Bend, call The Dental Center of Indiana today at (855) 979-3358 or make an appointment.

The Dental Center offers affordable family dentistry and gentle, compassionate dental care in South Bend. With 5 affiliated practices throughout Indiana, our offices are conveniently located with extended hours to meet your needs. At The Dental Center of Indiana, we provide most dental services, from basic preventative care and general dentistry to specialized procedures and complete dental reconstruction. We accept most dental insurance plans and offer affordable financial solutions for any budget. Patient satisfaction is our top priority and we strive to provide the exceptional, affordable dental care and personal touch that lead to lasting relationships. A smiling patient is our greatest reward and we look forward to keeping those smiles healthy, beautiful, and bright. Discover an affordable dentist who truly cares at The Dental Center of Indiana.

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Very friendly and did excellent with my son.
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The patience and kindness given to my little ones was beyond measure!
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The staff was wonderful with my son, who has Autism. They didn’t push him and found ways to do an exam that didn’t frighten him.
Elijah V.
Friendly and efficient
Glenn G.
I needed 1day service, and Dr. Gasko and the staff made this possible. As usual, the Dental Center showed total concern for my need.
Beverlie B.
The staff, the dental assistants and especially the doctor are so welcoming and wonderful with children. It is unlike any other dentist office I have been to … Very, sincerely caring.
Giovanni M.
Very happy with my son’s experience with Dr Lauren!
Jody D.
On time, personable, friendly, thorough, kind, team environment.
Kirsten B.
My daughter was so nervous to have her first filling done. The hygienist that came and got her, was so upbeat, positive and energetic. My daughter came out after the procedure, smiling and talked […]
Mackenzi C.
Staff is great.
Melissa G.
I feel confident in the medical care I am receiving. Scheduling fits my schedule. And appointments are on time.
Robert W.
The dental hygienist and the dentist were fabulous with my 4 year old. So calm and patient. She had a great experience.
Natalia M.
Friendly staff and they cared about my dental needs.
Ariadna R.
Good information provided by hygienist and Dr. Patel on how to improve my already strong dental care habits.
Mike M.
Marge was great. She tried several different X-rays to see what my issues were. Dr. Metzler is great. I don’t want to see anyone else.
Jane B.
Great staff
Jairy G.
The service was excellent from the moment I walked in. The entire staff had a genuine, welcoming smile and seemed to care about every client. I have rarely seen such authentic friendliness and caring […]
Lori H.
Nice people and they did a good job!
Mirna R.
I’ve been a The dental Center since I was a kid. Once I got married and on insurance that allowed me to stay with them, I didn’t hesitate looking elsewhere. Friendly staff. Love my dental […]
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Friendly, thorough, and competent service/treatment
Daniel S.
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We accept most insurance plans and will be happy to help you understand the coverage that you have. We will do our best to see that you receive your maximum insurance benefits for all covered services.

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